DARCA
ActiveDARCA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €7k. Its solvency ranks better than 26% of 12402 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency33▲+4
Growth52
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.51 against 1.06 in 2024), and 72% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28%
Return on assets
10.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2014
28 d late
2013
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 56.0%
2024 · €13k
2024: €13k
2024 → 2025
Total assets
€71k▲ 18.2%
2024 · €60k
2024: €60k
2024 → 2025
Net result
€7k▼ 67.1%
2024 · €22k
2024: €22k
2024 → 2025
Working capital
€-22k
2024 · €3k
2024: €3k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€13k-€20k▲ 56.0%
Operating result€24k-€9k▼ 61.0%
Net result€22k-€7k▼ 67.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 61% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€49k▲ 302%
Current assets
€23k▼ 53.1%
Equity and liabilities €71k
Equity
€20k▲ 56.0%
Debt
€51k▲ 8.0%
The debt ratio falls from 78.8% to 72.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€15k▼
2024 · €41k
Cash flow
€13k▼
2024 · €39k
Solvency
28.0%▲
2024 · 21.2%
Current ratio
0.51▼
2024 · 1.06
Quick ratio
0.51▼
2024 · 1.06
Debt / equity
2.57▼
2024 · 3.71
ROE
35.9%▼
2024 · 170.1%
ROA
10.1%▼
2024 · 36.1%
Interest coverage
661.09▲
2024 · 645.96
Debt
€51k▲
2024 · €48k
Debt ≤ 1 year
€44k▼
2024 · €45k
Debt > 1 year
€7k▲
2024 · €1k
Income taxes
€2k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€60k€71k▲
Fixed assets
21/28€12k€49k▲
Tangible fixed assets
22/27€12k€49k▲
Current assets
29/58€48k€23k▼
Amounts receivable within one year
40/41€22k€11k▼
Cash & bank
54/58€26k€12k▼
Total equity & liabilities
10/49€60k€71k▲
Equity
10/15€13k€20k▲
Contributions / capital
10/11€10k€10k=
Reserves
13€34k€41k▲
Accumulated profits (losses)
14€-31k€-31k=
Amounts payable
17/49€48k€51k▲
Amounts payable after one year
17€1k€7k▲
Amounts payable within one year
42/48€45k€44k▼
Trade debts payable within one year
44€3k€4k▲
Income statement
Code20242025
Gross operating margin
9900€42k€16k▼
Operating result
9901€24k€9k▼
Financial charges
65€64€23▼
Result before taxes
9903€24k€9k▼
Income taxes
67/77€2k€2k▲
Net result for the period
9904€22k€7k▼
Result to be appropriated
9905€22k€7k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
10-02
State Gazette act
Registered-office change
2024
04-04
State Gazette act
Director changes
Pieter BOEYNAEMS
2015
28-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 28 days late
2014
29-08
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 29 days late
State Gazette actNBB filing
2 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 2 have been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
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Of 1,022 companies in sector 69103 we hold annual accounts for 607. 302 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2012
Fiscal year end31-12
Activities, NACEBEL
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 2 actsNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-07-2026. Scores and ratios are computed by Checked and are not a credit decision.